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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $256,085 | $183,539+39.5% | $155,556+64.6% | $145,897+75.5% |
| Participation rate | 77.8% | 82.7%-4.9pp | 78.2%-0.4pp | 80.3%-2.5pp |
| Annual return | 11.50% | 61.31%-49.8pp | 64.84%-53.3pp | 552.29%-540.8pp |
| Employer contribution / active EE | $4,532 | $5,315-14.7% | $4,675-3.1% | $4,663-2.8% |
| Participant deferral / active EE | $8,600 | $6,467+33.0% | $5,631+52.7% | $6,689+28.6% |
| Admin fee / account holder | $1,361 | $19,275-92.9% | $15,885-91.4% | $13,390-89.8% |